Wisconsin Top Auto Insurance Requirements - Car Auto

Badger State motorists must now purchase quite extensive automobile policies in order to be in compliance with the state’s Financial Responsibility laws. In order to operate a motor vehicle legally, a Wisconsinite must purchase a car insurance policy consisting of Bodily Injury Liability, Property Damage Liability and Uninsured/Underinsured Motorist coverage. The limits for each type of protection are quite high compared to other states, but can prove to be beneficial if a motorist is involved in a traffic accident.

On January 1st of 2010 the minimum Wisconsin auto insurance coverage requirements were increased and policies must consist of liability limits of $50,000 for bodily injury or death of one person, $100,000 for bodily injury or death to two or more people and $15,000 for property damage liability, which will pay for bodily injury and property damaged caused to another party and is commonly abbreviated as 50/100/15. In addition, a policy must also contain uninsured and underinsured motorist coverage in the amounts of $100,000 for bodily injury per person and $300,000 for bodily injury per accident (100/300); this will cover injuries sustained by the policyholder and/or passenger if involved in a traffic with a driver that lacks a policy, has inadequate liability policy or if the insured is victim of a hit and run.